| Metric | Armco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +4.8% | +5.5 pts |
| Share growth (YoY) | +10.2% | +4.3% | +5.9 pts |
| Loan growth (YoY) | +12.1% | +4.3% | +7.8 pts |
| ROA | 0.72% | 0.62% | +0.1 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $717.6M | $622.9M | $498.9M | $96.1M | $1.3M | 0.72% | 2.88% | 0.47% | 43,497 |
| Q4 2025 | $710.1M | $616.9M | $468.6M | $94.8M | $6.3M | 0.88% | 2.70% | 0.54% | 43,497 |
| Q3 2025 | $700.5M | $606.9M | $460.2M | $89.0M | $4.6M | 0.87% | 2.64% | 0.46% | 45,634 |
| Q2 2025 | $691.5M | $601.7M | $461.3M | $89.7M | $2.5M | 0.73% | 2.57% | 0.37% | 45,425 |
| Q1 2025 | $650.7M | $565.1M | $444.9M | $85.3M | $934K | 0.57% | 2.60% | 0.57% | 42,461 |
| Q4 2024 | $617.1M | $532.7M | $422.8M | $84.4M | $6.8M | 1.10% | 2.65% | 0.59% | 41,943 |
| Q3 2024 | $593.8M | $511.5M | $430.2M | $82.5M | $5.0M | 1.12% | 2.74% | 0.45% | 41,601 |
| Q2 2024 | $578.2M | $498.0M | $435.3M | $81.0M | $3.4M | 1.18% | 2.73% |
| Ratio | Armco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.62% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.28% |
| 40,969 |
Loan mix (Q1 2026): real estate $229.3M · commercial $48.2M · consumer $196.4M · securities $14.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 78.3% | 44th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Armco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Armco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Armco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Armco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.